Senior Software Engineer – Fintech Platform (Ruby/Rails/React)

Ripple; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Bonuses

Equity

Health insurance

Retirement plan

Parental leave

Mobile phone stipend

Wellness reimbursement

Job summary

Ripple is building a world where value moves like information. Our Cash Forecasting team delivers real-time cash visibility and predictive accuracy for CFOs and treasury teams across 40+ countries, handling over $100 billion in daily flows.

You’ll design and scale backend services and APIs with Ruby on Rails, React, PostgreSQL, and AWS, while contributing to multi-tenant enterprise SaaS and maintaining strong test coverage with RSpec.

Qualifications

• 4–8 years of professional software development experience.
• Strong SQL fundamentals; hands-on experience with PostgreSQL ideal.
• Comfortable working within large, sophisticated, existing codebases and making changes safely.
• Scripting ability for automation and tooling (language-agnostic).
• Experience with Docker or other containerisation technologies.
• Proven Git proficiency, including collaborative branching workflows.
• Proficiency in at least one major programming language (such as Ruby, Python, or Java).
• Experience employing AI tools throughout the development lifecycle to speed up problem-solving and delivery.
• Experience testing with RSpec.

Responsibilities

• Design, build, and maintain backend services and APIs that power the Cash Forecasting platform, while remaining comfortable picking up frontend work when the task calls for it
• Work across a large, sophisticated, multi-tenant SaaS codebase, writing code that's built to scale across enterprise customers and their data
• Own the data layer, schema design, query performance, and data integrity - with a strong emphasis on PostgreSQL and SQL more broadly
• Write and maintain thorough test coverage using RSpec, treating testing as a first-class part of delivery
• Package and deploy services using Docker, and work within our AWS-based cloud infrastructure
• Write scripts and tooling to automate repetitive work, support data migrations, and keep the team moving quickly
• Instrument the systems you build with strong observability practices -logging, metrics, and tracing — to catch and resolve issues before they impact customers
• Benchmark and profile code to identify performance bottlenecks, and make evidence-based decisions about where to optimise
• Collaborate closely with product managers, designers, and fellow engineers to translate business and customer needs into robust technical solutions
• Participate in code reviews and technical design discussions, contributing to the team's overall growth and improvement
• Be a champion of the YBIYRI ethos (you-build-it-you-run-it), which includes participating in the on-call pager rotation

Skills

SQL

PostgreSQL

Ruby

React

Docker

AWS

Git

RSpec

Ruby on Rails

Python/Java

Tools

Rails

Job description

Ripple is building a world where value moves like information. Our Cash Forecasting team delivers real-time cash visibility and predictive accuracy for CFOs and treasury teams across 40+ countries, handling over $100 billion in daily flows.

You’ll design and scale backend services and APIs with Ruby on Rails, React, PostgreSQL, and AWS, while contributing to multi-tenant enterprise SaaS and maintaining strong test coverage with RSpec.